SuperMoney
Explore
Compare Rates

Compare All Credit Cards

Filter & compare all your options in one place.

View All Credit Cards
x No thanks, not right now
Advertiser Disclosure
  Excite Credit Union Visa Travel Rewards
Excite Credit Union Visa Travel Rewards
in Credit Cards from Excite Credit Union
Unaffiliated

Excite Credit Union Visa Travel Rewards

Unaffiliated
in Credit Cards from Excite Credit Union
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card

Strongly recommended

21 reviews
Learn More
Highlights
Purchase APR  (Variable APR) 9.90 - 19.24
Balance Transfer APR  (Variable APR) 11.90 - 21.24
Credit Score Range 700 - 850
Annual Fee N/A

Excite Credit Union Visa Travel Rewards Review

This is a rewards card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Travel Rewards is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%.
  • 4% Balance transfer fee. Excite Credit Union Visa Travel Rewards charges a fee of 4% on balance transfers, if you transfer the balance within 25 days of opening the account. For example, a balance of $1,000 could cost $40 in transfer fees.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Excite Credit Union Visa Travel Rewards

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 9.90% up to 19.24%.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Rewards bonus rate of up to Earn 3,000 bonus points with $300 of net purchases within the first 60 days.%.
  • Cardholders can earn rewards on their purchases.
  • Excite Credit Union Visa Travel Rewards reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only Earn 3,000 bonus points with $300 of net purchases within the first 60 days.% on most everyday purchases. Terms apply*.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee, if you transfer the balance within 25 days of opening the account. After the introductory period, the fee is 21.24% .

Excite Credit Union Visa Travel Rewards FAQ

Does Excite Credit Union Visa Travel Rewards have a cash back or rewards program?

Excite Credit Union Visa Travel Rewards is a travel rewards card.

Excite Credit Union Visa Travel Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate Earn 3,000 bonus points with $300 of net purchases within the first 60 days.x
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Excite Credit Union Visa Travel Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Excite Credit Union Visa Travel Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Excite Credit Union Visa Travel Rewards benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Excite Credit Union Visa Travel Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%. The card has a variable balance transfer APR that ranges from 11.90% up to 21.24%. It also has a variable cash advance APR that ranges from 11.90% up to 21.24%. Note that late payments are subject to an APR of 17.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Excite Credit Union Visa Travel Rewards have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Excite Credit Union Visa Travel Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period 11.90 - 21.24
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.90 - 21.24
Balance Transfer Fee % 4

Does Excite Credit Union Visa Travel Rewards have an intro APR offer on new purchases?

Excite Credit Union Visa Travel Rewards Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Excite Credit Union Visa Travel Rewards?

The following fees apply:

Excite Credit Union Visa Travel Rewards Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee up to $10

Does Excite Credit Union Visa Travel Rewards have a foreign transaction fee?

Excite Credit Union Visa Travel Rewards charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Excite Credit Union Visa Travel Rewards?

The Excite Credit Union Visa Travel Rewards customer service number is (800) 232-8669.

What is the support contact email for Excite Credit Union Visa Travel Rewards?

The support contact email for Excite Credit Union Visa Travel Rewards is service@excitecu.org.

What is the Excite Credit Union Visa Travel Rewards login page?

You can access the Excite Credit Union Visa Travel Rewards login page here.

How do people rate the customer service and user experience of Excite Credit Union Visa Travel Rewards?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Excite Credit Union Visa Travel Rewards report your account activity to credit bureaus?

Yes, Excite Credit Union Visa Travel Rewards reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Excite Credit Union Visa Travel Rewards

  • Visit the Excite Credit Union Visa Travel Rewards website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

View Excite Credit Union Visa Travel Rewards's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Excite Credit Union

Icon for Credit Cards
View all credit cards offered by Excite Credit Union
Icon for Credit Card

Business Credit Cards

Be the first to rate

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee (%) Starting at 4
Foreign Currency Transaction Fee 3
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to 25
Late Fee Amount Up to 10
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Travel
  • Select Merchants
Cash Advance APR (Variable APR) 11.90 - 21.24
APR Type Variable APR
Balance Computation We use a method called "average daily balance (including new purchases)."
Penalty APR (Variable APR) 17.49
Purchase APR (Variable APR) 9.90 - 19.24
Balance Transfer Fee % After Intro Period 11.90 - 21.24
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.90 - 21.24
Balance Transfer Fee % 4
Card Type
  • Rewards
  • Travel
  • Bonus Offers
Card Network Visa

Be the first to rate

 

Would you recommend Excite Credit Union Visa Travel Rewards to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Strongly recommended

21 Reviews

Mostly recommended

11 Reviews

Strongly recommended

24 Reviews

View All

Excite Credit Union Credit Cards

Loading...
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.